BlastPoint's Banking Scorecard
First Choice Bank
Pontotoc, MS
6 branches across MS
First Choice Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.0% in tier
- - Credit Quality Pressure: Bottom 47.2% in tier
- - Return on Assets 1.51% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.7M
+8.9% YoY
+8.3% QoQ
|
+$172.7M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$368.7M
+13.9% YoY
+4.1% QoQ
|
+$113.0M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$509.9M
+9.2% YoY
+9.6% QoQ
|
+$181.9M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
-0.24%
-132.1% YoY
-128.0% QoQ
|
-1.51% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.4% in tier |
| Net Interest Margin ? |
3.73%
+5.5% YoY
-3.4% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
107.69%
+48.6% YoY
+50.0% QoQ
|
+42.41% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate ? |
0.79%
+49.0% YoY
+74.4% QoQ
|
-0.10% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
72.32%
+4.3% YoY
-5.0% QoQ
|
-4.32% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
11.83%
-4.0% YoY
-8.8% QoQ
|
-10.19% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.5% in tier |
| Nonperforming Asset Ratio ? |
0.54%
+62.2% YoY
+62.4% QoQ
|
-0.09% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
9.55%
-6.0% YoY
-6.6% QoQ
|
-6.28% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.14%
-15.5% YoY
-78.1% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
72% |
Get Full Access to First Choice Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.